CN108335103A - A kind of deducting money method and system based on digital cash - Google Patents
A kind of deducting money method and system based on digital cash Download PDFInfo
- Publication number
- CN108335103A CN108335103A CN201711459264.3A CN201711459264A CN108335103A CN 108335103 A CN108335103 A CN 108335103A CN 201711459264 A CN201711459264 A CN 201711459264A CN 108335103 A CN108335103 A CN 108335103A
- Authority
- CN
- China
- Prior art keywords
- digital cash
- withholing
- wallet
- beneficiary
- paying party
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 103
- 238000009826 distribution Methods 0.000 claims abstract description 116
- 238000012795 verification Methods 0.000 claims abstract description 66
- 230000005540 biological transmission Effects 0.000 claims abstract description 14
- 238000013475 authorization Methods 0.000 claims abstract description 9
- 238000012790 confirmation Methods 0.000 claims description 83
- 230000008859 change Effects 0.000 claims description 33
- 238000004519 manufacturing process Methods 0.000 claims description 12
- 235000013399 edible fruits Nutrition 0.000 claims description 5
- 238000005516 engineering process Methods 0.000 abstract description 6
- 230000006870 function Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 4
- 230000000694 effects Effects 0.000 description 4
- 230000007246 mechanism Effects 0.000 description 4
- 238000004590 computer program Methods 0.000 description 3
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 3
- 239000010931 gold Substances 0.000 description 3
- 229910052737 gold Inorganic materials 0.000 description 3
- 230000004807 localization Effects 0.000 description 3
- 238000007726 management method Methods 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000004044 response Effects 0.000 description 3
- 230000006872 improvement Effects 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000003860 storage Methods 0.000 description 2
- 230000000007 visual effect Effects 0.000 description 2
- 206010054949 Metaplasia Diseases 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000007796 conventional method Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000005242 forging Methods 0.000 description 1
- 230000014509 gene expression Effects 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 230000015689 metaplastic ossification Effects 0.000 description 1
- 230000006855 networking Effects 0.000 description 1
- 238000006116 polymerization reaction Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 238000005303 weighing Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0658—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locally
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses a kind of deducting money method and system based on digital cash, is related to field of computer technology.One specific implementation mode of this method includes：Mandate information of withholing is sent to beneficiary digital cash wallet by paying party digital cash wallet；The beneficiary digital cash wallet verification is described to authorize information of withholing；Verify the mandate withhold information it is errorless after, withhold request to digital cash distribution register system transmission, wherein described withhold asks to include deducted amount and authorization message；The digital cash issues request of withholing described in register system verification；After request of withholing described in verification is errorless, complete to withhold according to the request of withholing.This embodiment improves the flexibilities of digital cash payment, while improving the safety of digital cash transaction.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of deducting money methods and system based on digital cash.
Background technology
Digital cash wallet is directed under digital economy more safely and conveniently digital cash wallet terminal applies demand, knot
It closes financial infrastructure electronization and networking continuous improvement, communication technology advances brings significantly more efficient system interconnection sum aggregate
The drives such as gradually form at the burgeoning digital metaplasia state of, the completely new digital cash based on block chain and digital asset technical support
Reason element, the function support in all directions such as a kind of completely new digital cash storage, operation, application service and integrated management of proposition
Secure digital wallet.
These existing electronizations or digitized wallet, are all based on system of account, the function of wallet is Account Features
Extension, the wallet having in other words is an entrance or medium for account access.Thus these wallets are not independent money
Packet, and it is to rely on original Accounting system.A kind of stored value card is that the polymerization accessed as bank card or other card medias enters
Mouthful existing, this wallet is the cohesively managed of card function, itself does not have practical wallet and the functions such as pays, but by multiple cards
Network payment inlet function be packaged, realize that single entrance accesses, simplify the complexity of user's Duo Ka operations.With bit coin
For the private quasi- digital cash of the one kind developed based on block chain technology of representative, corresponding wallet is then mainly used for protecting
Private key is deposited, for carrying out signature transaction to the quasi- digital cash of individual recorded on chain.
In realizing process of the present invention, inventor has found that at least there are the following problems in the prior art：
1. prior art can not support the digital cash that digital cash issuer issues, thus be sent out with digital cash
Row mechanism does not have interaction and access mechanism between system；
2. existing technical solution can not realize the number of the whole number currency wallet entity based on terminal environments comprehensively
The trading function of currency；
3. existing account wallet relies on background account system, wallet itself is not independent, and digital cash terminal wallet sheet
Body is independent wallet；
4. existing wallet excessively relies on the mechanisms such as wallet service provider or business bank, wallet secure side in terms of key management
Face Shortcomings underuse localization safe practice；
Invention content
In view of this, the embodiment of the present invention provides a kind of deducting money method and system based on digital cash, number can be supported
The digital cash of word note issuance authority releases provides the interaction between digital cash issuer system and access mechanism, base
The transaction of digital cash is realized in independent digital cash wallet, improves the safety of digital cash transaction.
To achieve the above object, one side according to the ... of the embodiment of the present invention provides a kind of button based on digital cash
Money method, including：Mandate information of withholing is sent to beneficiary digital cash wallet by paying party digital cash wallet；The gathering
Square digital cash wallet verification is described to authorize information of withholing；Verify it is described mandate withhold information it is errorless after, to digital cash issue
Register system sends request of withholing, wherein the request of withholing includes deducted amount and authorization message；The digital cash hair
It withholds request described in the verification of row register system；After request of withholing described in verification is errorless, complete to withhold according to the request of withholing.
Optionally, digital cash distribution register system is completed to withhold according to the request of withholing after step, described
Method further includes：Paying party result of withholing is sent to the paying party digital cash money by digital cash distribution register system
Packet, wherein the paying party is withholdd, result includes deducted digital cash list and the deducted amount.
Optionally, digital cash distribution register system is completed to withhold according to the request of withholing after step, described
Method further includes：Beneficiary result of withholing is sent to the beneficiary digital cash money by digital cash distribution register system
Packet, wherein the beneficiary is withholdd, result includes the digital cash collected.
Optionally, paying party digital cash wallet withholds mandate before information is sent to beneficiary digital cash wallet,
The method further includes：Whether the paying party digital cash wallet verification is described authorizes information of withholing wrong；Wherein, described to award
Power withholds information also including at least one of the following contents：Timestamp, the term of validity, authorize coding, paying party digital cash money
Wrap mark, paying party digital cash wallet digital signature, service provider's information of paying party digital cash wallet, paying party are used
Family information, limit of withholing, matching strategy；Verify it is errorless after, the paying party digital cash wallet withholds information to the mandate
Add paying party signing messages；The method further includes：The paying party digital cash wallet withholds the mandate of signature
Information is sent to the beneficiary digital cash wallet.
Optionally, the paying party digital cash wallet to the mandate withhold information addition paying party signing messages it
Before, the method further includes：The paying party digital cash wallet sends out payment confirmation request；Receive the payment confirmation request
Confirmation instruction；The method further includes：The paying party digital cash wallet receives the confirmation of the payment confirmation request
After instruction, the paying party digital cash wallet authorizes information of withholing to add paying party signing messages to described.
Optionally, before the beneficiary digital cash wallet withholds request to digital cash distribution register system transmission,
The method further includes：The beneficiary digital cash wallet sends out confirmation request of withholing；It withholds described in reception confirmation request
Confirm instruction；The method further includes：The confirmation that the beneficiary digital cash wallet receives the confirmation request of withholing refers to
After order, request of withholing is sent to digital cash distribution register system.
Optionally, it is described after the beneficiary digital cash wallet receives the confirmation instruction of the confirmation request of withholing
Method further includes：The beneficiary digital cash wallet is to the request addition beneficiary signing messages of withholing.After signature, institute
The method of stating further includes：The beneficiary digital cash wallet sends the request of withholing of signature to digital cash distribution register system.
Optionally, the method that the beneficiary digital cash wallet sends request of withholing to digital cash distribution register system
Including：The request of withholing is sent to the service quotient system of beneficiary digital cash wallet by the beneficiary digital cash wallet
System；It withholds request described in the facilitator system verification of the beneficiary digital cash wallet；Verify it is errorless after, the gathering number formulary
The facilitator system of word currency wallet adds the facilitator system of the beneficiary digital cash wallet into the request of withholing
Signing messages；Request of withholing described in signature is sent to the number by the facilitator system of the beneficiary digital cash wallet
Word note issuance register system.
Optionally, request of withholing described in signature is sent to institute by the facilitator system of the beneficiary digital cash wallet
After stating digital cash distribution register system, the method further includes：The digital cash distribution register system verification band is
State the request of withholing of the signing messages of the facilitator system of beneficiary digital cash wallet；After being verified, the number
Note issuance register system is sent to the facilitator system of the paying party digital cash wallet confirms request of withholing；The payment
The facilitator system verification of square digital cash wallet is described to confirm request of withholing, and after verification is errorless, sends confirmation and withholds instruction extremely
The digital cash issues register system；The method further includes：The digital cash distribution register system receives the confirmation
It withholds after instruction, completes to withhold according to the request of withholing.
Optionally, before the digital cash distribution register system is completed to withhold according to the request of withholing, the method
Further include：The deducted amount withholdd described in determination in asking is no more than the number of withholing of the paying party digital cash wallet
Word monetary amount；If being no more than, complete to withhold according to the request of withholing.
Optionally, the digital cash distribution register system includes according to the method that request is completed to withhold of withholing：It is right
The digital cash deducted in the paying party digital cash wallet carries out calcellation registration；Production is same with the digital cash of the deduction
The new digital cash of the equal amount of money；Determine the ownership of the new digital cash of production.
Optionally, paying party result of withholing is sent to the paying party number goods by digital cash distribution register system
After coin wallet, the method further includes：The paying party digital cash wallet determines whether the paying party withholds in result
Further include giving digital cash for change；If not including, whether the amount of money for verifying the deducted digital cash is equal to described withhold
The amount of money cancels digital cash if being equal to according to the deducted digital cash list；If including verifying described detained
Whether the difference of the amount of money of the digital cash removed and the amount of money for giving digital cash for change is equal to the deducted amount, if being equal to,
Cancel digital cash according to the deducted digital cash list, and digital cash is given for change described in deposit.
Optionally, beneficiary result of withholing is sent to the beneficiary number goods by digital cash distribution register system
After coin wallet, the method further includes：The amount of money for the digital cash collected described in the beneficiary digital cash wallet verification
Whether the deducted amount is equal to；If being equal to, the digital cash collected described in deposit.
Optionally, paying party result of withholing is sent to the paying party number goods by digital cash distribution register system
Before coin wallet, the method further includes：The digital cash issues register system to the paying party digital cash wallet
Facilitator system sends the paying party and withholds result；The facilitator system of the paying party digital cash wallet determines described pay
Whether it further includes giving digital cash for change that money side withholds in result；If not including, the gold of the deducted digital cash is verified
Whether volume is equal to the deducted amount, if being equal to, the method further includes the service quotient system of the paying party digital cash wallet
Paying party result of withholing is sent to the paying party digital cash wallet by system；If including verifying the deducted number
Whether the difference of the amount of money of currency and the amount of money for giving digital cash for change is equal to the deducted amount, if being equal to, the method is also
Paying party result of withholing is sent to the paying party number goods by the facilitator system including the paying party digital cash wallet
Coin wallet.
Optionally, beneficiary result of withholing is sent to the beneficiary number goods by digital cash distribution register system
Before coin wallet, the method further includes：The digital cash issues register system to the beneficiary digital cash wallet
Facilitator system sends the beneficiary and withholds result；The facilitator system of the beneficiary digital cash wallet verifies the receipts
Whether the amount of money of the digital cash taken is equal to the deducted amount；If being equal to, the method further includes the beneficiary number goods
Beneficiary result of withholing is sent to the beneficiary digital cash wallet by the facilitator system of coin wallet.
Optionally, paying party result of withholing is sent to the paying party number goods by digital cash distribution register system
After coin wallet, the method further includes：The paying party digital cash wallet shows that the paying party is withholdd result.
Optionally, beneficiary result of withholing is sent to the beneficiary number goods by digital cash distribution register system
After coin wallet, the method further includes：The beneficiary digital cash wallet shows that the beneficiary is withholdd result.
To achieve the above object, other side according to the ... of the embodiment of the present invention provides a kind of based on digital cash
It withholds system, including：Paying party digital cash wallet device, beneficiary digital cash wallet device and digital note issuance registration
System and device；The paying party digital cash wallet device will be for that will authorize information of withholing to be sent to the beneficiary digital cash
Wallet device；The beneficiary digital cash wallet device is withholdd information for verifying the mandate；The mandate is verified to withhold
After information is errorless, request of withholing is sent to digital cash distribution register system device, wherein the request of withholing includes withholing
The amount of money and authorization message；The digital cash distribution register system device is for verifying the request of withholing；It withholds described in verification
Ask it is errorless after, according to it is described withhold request complete withhold.
Optionally, the digital cash distribution register system device is completed according to the request of withholing after withholing, described
Digital cash distribution register system device is additionally operable to paying party result of withholing being sent to paying party digital cash wallet dress
It sets, wherein the paying party is withholdd, result includes deducted digital cash list and the deducted amount.
Optionally, the digital cash distribution register system device is completed according to the request of withholing after withholing, described
Digital cash issues register system device and beneficiary result of withholing is sent to the beneficiary digital cash wallet device, wherein
Beneficiary result of withholing includes the digital cash collected.
Optionally, mandate information of withholing is sent to beneficiary digital cash money by the paying party digital cash wallet device
Before bag apparatus, whether the paying party digital cash wallet device verification is described authorizes information of withholing wrong；Wherein, described to award
Power withholds information also including at least one of the following contents：Timestamp, the term of validity, authorize coding, paying party digital cash money
Wrap mark, paying party digital cash wallet digital signature, service provider's information of paying party digital cash wallet, paying party are used
Family information, limit of withholing, matching strategy；Verify it is errorless after, the paying party digital cash wallet device to it is described mandate withhold
Information adds paying party signing messages；The paying party digital cash wallet device is additionally operable to withhold the mandate of signature letter
Breath is sent to the beneficiary digital cash wallet device.
Optionally, the paying party digital cash wallet device authorizes information of withholing to add paying party signing messages to described
Before, the paying party digital cash wallet device is additionally operable to send out payment confirmation request；Receive the payment confirmation request
Confirm instruction；After the paying party digital cash wallet device is additionally operable to the confirmation instruction for receiving the payment confirmation request,
The paying party digital cash wallet device authorizes information of withholing to add paying party signing messages to described.
Optionally, the beneficiary digital cash wallet device is withholdd to digital cash distribution register system device transmission and is asked
Before asking, the beneficiary digital cash wallet device is additionally operable to send out confirmation request of withholing；It withholds described in reception confirmation request
Confirmation instruction；The beneficiary digital cash wallet device is additionally operable to receive the confirmation instruction of the confirmation request of withholing
Afterwards, request of withholing is sent to digital cash distribution register system device.
Optionally, the beneficiary digital cash wallet device is additionally operable to receive the confirmation of the confirmation request of withholing and refers to
After order, the beneficiary digital cash wallet device is to the request addition beneficiary signing messages of withholing；It is described after signature
Beneficiary digital cash wallet device is additionally operable to send the request of withholing of signature to digital cash distribution register system device.
Optionally, the system also includes：The facilitator system device of the beneficiary digital cash wallet；The gathering
When square digital cash wallet device withholds request to digital cash distribution register system device transmission, the beneficiary digital cash
Wallet device is additionally operable to for the request of withholing to be sent to the facilitator system device of the beneficiary digital cash wallet；It is described
It withholds request described in the facilitator system device verification of beneficiary digital cash wallet；Verify it is errorless after, beneficiary number
The facilitator system device of currency wallet adds the service quotient system of the beneficiary digital cash wallet into the request of withholing
The signing messages of system；The facilitator system device of the beneficiary digital cash wallet is additionally operable to the request of withholing that will be signed
It is sent to the digital cash distribution register system device.
Optionally, the facilitator system device of the beneficiary digital cash wallet will withhold described in signature asks to send
To digital cash distribution register system device, the digital cash distribution register system device verification carries the receipts
The request of withholing of the signing messages of the facilitator system of money side's digital cash wallet；After being verified, the digital cash
Distribution register system device is sent to the facilitator system device of the paying party digital cash wallet confirms request of withholing；It is described
The facilitator system device verification of paying party digital cash wallet is described to confirm request of withholing, and after verification is errorless, sends and confirms button
Money instructs to the digital cash and issues register system device；The digital cash distribution register system device is additionally operable to receive institute
It states confirmation to withhold after instruction, completes to withhold according to the request of withholing.
Optionally, the digital cash distribution register system device according to the request of withholing before completing to withhold, really
The deducted amount in the fixed request of withholing is no more than the digital goods of withholing of the paying party digital cash wallet device
Coin amount；If being no more than, complete to withhold according to the request of withholing.
Optionally, when the digital cash distribution register system device is completed to withhold according to the request of withholing, to described
The digital cash deducted in paying party digital cash wallet device carries out calcellation registration；Production is same with the digital cash of the deduction
The new digital cash of the equal amount of money；Determine the ownership of the new digital cash of production.
Optionally, paying party result of withholing is sent to the payment number formulary by digital cash distribution register system device
After word currency wallet device, the paying party digital cash wallet device be additionally operable to that the paying party is determined to withhold in result be
No further includes giving digital cash for change；If not including, whether the amount of money for verifying the deducted digital cash is equal to the button
The money amount of money cancels digital cash if being equal to according to the deducted digital cash list；If including verifying the quilt
Whether the difference of the amount of money of the digital cash of deduction and the amount of money for giving digital cash for change is equal to the deducted amount, if being equal to,
Digital cash is then cancelled according to the deducted digital cash list, and digital cash is given for change described in deposit.
Optionally, beneficiary result of withholing is sent to the gathering number formulary by digital cash distribution register system device
After word currency wallet device, the beneficiary digital cash wallet device is additionally operable to the gold for the digital cash collected described in verification
Whether volume is equal to the deducted amount；If being equal to, the digital cash collected described in deposit.
Optionally, the system also includes：The facilitator system device of the paying party digital cash wallet；The number
Note issuance register system device withholds paying party before result is sent to the paying party digital cash wallet device, described
Digital cash issues register system device and sends the payment to the facilitator system device of the paying party digital cash wallet
Side withholds result；The facilitator system device of the paying party digital cash wallet determines whether the paying party withholds in result
Further include giving digital cash for change；If not including, whether the amount of money for verifying the deducted digital cash is equal to described withhold
The amount of money, if being equal to, paying party result of withholing is sent to institute by the facilitator system device of the paying party digital cash wallet
State paying party digital cash wallet device；If including the amount of money for verifying the deducted digital cash gives number for change with described
Whether the difference of the amount of money of word currency is equal to the deducted amount, if being equal to, the service provider of the paying party digital cash wallet
Paying party result of withholing is sent to the paying party digital cash wallet device by system and device.
Optionally, beneficiary result of withholing is sent to the gathering number formulary by digital cash distribution register system device
Before word currency wallet device, service of the digital cash distribution register system device to the beneficiary digital cash wallet
Quotient's system and device sends the beneficiary and withholds result；The facilitator system device of the beneficiary digital cash wallet verifies institute
Whether the amount of money for stating the digital cash collected is equal to the deducted amount；If being equal to, the beneficiary digital cash wallet
Beneficiary result of withholing is sent to the beneficiary digital cash wallet device by facilitator system device.
Optionally, paying party result of withholing is sent to the payment number formulary by digital cash distribution register system device
After word currency wallet device, the paying party digital cash wallet device shows that the paying party is withholdd result.
Optionally, beneficiary result of withholing is sent to the gathering number formulary by digital cash distribution register system device
After word currency wallet device, the beneficiary digital cash wallet device shows that the beneficiary is withholdd result.
One embodiment in foregoing invention has the following advantages that or advantageous effect：Because using based on the safe skill of localization
Art carries out digital cash and withholds, so overcoming conventional method process of exchange underuses the latent of localization safe practice initiation
In hidden danger and risk, fully meet the requirement of digital cash payment flexibility, while reaching the safety for improving digital cash transaction
The technique effect of property.
Further effect possessed by above-mentioned non-usual optional mode adds hereinafter in conjunction with specific implementation mode
With explanation.
Description of the drawings
Attached drawing does not constitute inappropriate limitation of the present invention for more fully understanding the present invention.Wherein：
Fig. 1 is a kind of schematic diagram of the key step of deducting money method based on digital cash according to the ... of the embodiment of the present invention；
Fig. 2 is a kind of schematic diagram of the major part of system of withholing based on digital cash according to the ... of the embodiment of the present invention.
Specific implementation mode
It explains to the exemplary embodiment of the present invention below in conjunction with attached drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
It arrives, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
The description to known function and structure is omitted for clarity and conciseness in sample in following description.
Fig. 1 is a kind of schematic diagram of the key step of deducting money method based on digital cash according to the ... of the embodiment of the present invention,
As shown in Figure 1：
Step S101 indicates that mandate information of withholing is sent to beneficiary digital cash wallet by paying party digital cash wallet,
Show to authorize the right that beneficiary is withholdd, the effect of this step is that paying party buckles beneficiary mandate using digital cash wallet
Money.It can be that the mode of billing address is chosen in contacts list to authorize the sending method for information of withholing, and can also pass through interconnection
Net transmission picture or character string, the modes such as can also scan by camera, for example, by scan the Quick Response Code of paying party come
It obtains and sends information.
Wherein, digital cash can be the digitlization that can be realized based on block chain or other technologies issued by publisher
Form of money, have the function of substituting existing commodity money；Digital cash wallet can be customer-oriented digital cash
Application service device, have the function of storage, management, verification of client identity, key, digital cash and its relevant information etc.；
It includes that paying party initiates to authorize the request withholdd to authorize information of withholing, and authorizes beneficiary and asks to deduct to the digital cash of paying party
And obtain the right of the digital cash of the same amount of money.
Paying party user can first log in paying party digital cash wallet, retransmit mandate and withhold information.
Paying party digital cash wallet withholds mandate before information is sent to beneficiary digital cash wallet, the method
Further include：Whether the paying party digital cash wallet verification is described authorizes information of withholing wrong；The purpose of this step is pair
The mandate information of withholing that paying party digital cash wallet is sent is checked, and ensures the safety of digital cash transaction.Wherein, institute
It states mandate and withholds information also including at least one of the following contents：Timestamp, the term of validity, authorize coding, paying party number goods
Coin wallet mark, service provider's information of paying party digital cash wallet digital signature, paying party digital cash wallet, payment
The contents such as square user information, limit of withholing, matching strategy；Verify it is errorless after, the paying party digital cash wallet is awarded to described
Weigh information addition paying party signing messages of withholing；The method further includes：The paying party digital cash wallet is by the institute of signature
It states mandate information of withholing and is sent to the beneficiary digital cash wallet.The purpose of this step is to prevent spurious information, further
Improve the safety of digital cash transaction.The mode of wherein addition paying party signing messages can be paying party digital cash wallet
With private key to authorizing information of withholing to sign.
Wherein, limit of withholing, which can refer to requestee's digital cash wallet, allows the deducted maximum number currency of single
The amount of money, maximum value are no more than the total amount or requestee's number that requestee's digital cash wallet allows deducted digital cash
The remaining sum of the digital cash of currency wallet；Matching strategy refers to the digital cash for such as including a variety of face amounts in digital cash wallet,
The payment strategy of a variety of matching amount of money can be provided, for example it is 2,3,5 digital cash to have denomination in digital cash wallet, needs to prop up
The digital cash that total amount is 5 is paid, digital cash wallet can select, and first pay the digital cash that minimum denomination is 2 and 3, also may be used
To select first to pay the digital cash that maximum denomination is 5；The term of validity can be the term of validity that preset single mandate is withholdd, button
Money transaction can verify whether before the deadline when being handled, otherwise off the docket；Authorize coding can refer to that this sub-authorization is withholdd
The code name of information.
The paying party digital cash wallet withholds to the mandate before information addition paying party signing messages, the side
Method further includes：The paying party digital cash wallet sends out payment confirmation request, indicates whether to agree to send mandate of withholing；It receives
The confirmation instruction of the payment confirmation request shows to agree to send；The method further includes：The paying party digital cash wallet
After the confirmation instruction for receiving the payment confirmation request, the paying party digital cash wallet authorizes information of withholing to add to described
Add paying party signing messages.The purpose of this step is that further verification authorizes information of withholing, and improves the safety of digital cash transaction
Property.Paying party digital cash wallet can send out payment verification request in the form of visual information is shown to paying party user, will
It is relevant that presentation of information of withholing is authorized to come out, wait for the confirmation of paying party user.
Step S102 indicates that the beneficiary digital cash wallet verification is described and authorizes information of withholing；The purpose of this step is
Further increase the safety of digital cash transaction.Beneficiary digital cash wallet can be verified with preset proof rule and be authorized
Whether the source for information of withholing and format etc. are correct effectively, if it is including timestamp, the term of validity, authorize coding, payment number formulary
Word currency wallet mark, service provider's information of paying party digital cash wallet digital signature, paying party digital cash wallet,
The mandate of paying party user information, limit of withholing, matching strategy etc. withhold information when, the effective of the above content can be separately verified
Property, such as verify it is entire authorize withhold information whether be paying party digital cash wallet digital signature.Timestamp can be used for true
Recognize the uniqueness for authorizing information of withholing, the term of validity can also be coordinated to use, with the accuracy of Enhanced time.
The beneficiary digital cash wallet verification mandate is withholdd before information, and beneficiary user can first log in gathering number formulary
Word currency wallet, then receive mandate and withhold information.
The beneficiary digital cash wallet is withholdd to digital cash distribution register system transmission before request, the method
Further include：The beneficiary digital cash wallet sends out confirmation request of withholing, and indicates whether to receive the button for the paying party
Money mandate；The confirmation for confirmation request of withholing described in reception instructs, and shows to agree to receive；The method further includes：The beneficiary
After digital cash wallet receives the confirmation instruction of the confirmation request of withholing, withhold to digital cash distribution register system transmission
Request.The purpose of this step is that further verification authorizes information of withholing, and improves the safety of digital cash transaction.Beneficiary number goods
Coin wallet can send out checking request of withholing in the form of visual information is shown to beneficiary user, and relevant presentation of information is gone out
Come, waits for the confirmation of beneficiary user.Wherein, which may also include the deducted amount of input.
After the beneficiary digital cash wallet receives the confirmation instruction of the confirmation request of withholing, the method is also wrapped
It includes：The beneficiary digital cash wallet is to the request addition beneficiary signing messages of withholing.After signature, the method is also
Including：The beneficiary digital cash wallet sends the request of withholing of signature to digital cash distribution register system.This step
Purpose is to prevent spurious information, further increases the safety of digital cash transaction.Wherein add the side of beneficiary signing messages
Formula can be signed with private key.
Step S103 indicate the beneficiary digital cash wallet verification mandate withhold information it is errorless after, to digital goods
Coin distribution register system sends request of withholing, and shows whether the beneficiary has permission of withholing, wherein in the request of withholing
Including deducted amount and authorization message.It withholds and may also include in asking：The mark and digital signature of paying party digital cash wallet
Service provider's information of certificate, paying party digital cash wallet, the mark and digital signature of beneficiary digital cash wallet are received
Service provider's information etc. of money side's digital cash wallet.Wherein, the digital cash distribution register system belongs to digital cash
Publisher is the application service system for digital cash distribution, right registration etc.；Authorization message is for illustrating that beneficiary is had the right
Application is withholdd.
The beneficiary digital cash wallet issues the method that register system sends request of withholing to digital cash：Institute
State the facilitator system that the request of withholing is sent to beneficiary digital cash wallet by beneficiary digital cash wallet；The receipts
It withholds request described in the facilitator system verification of money side's digital cash wallet；Verify it is errorless after, the beneficiary digital cash money
The facilitator system of packet adds the A.L.S. of the facilitator system of the beneficiary digital cash wallet into the request of withholing
Breath；Request of withholing described in signature is sent to the digital cash and sent out by the facilitator system of the beneficiary digital cash wallet
Row register system.The purpose of this step is to prevent spurious information, further increases the safety of digital cash transaction.Wherein add
The mode of signing messages can be signed with private key.
Request of withholing described in signature is sent to the number by the facilitator system of the beneficiary digital cash wallet
After note issuance register system, the method further includes：The digital cash distribution register system verification carries the gathering
The request of withholing of the signing messages of the facilitator system of square digital cash wallet；After being verified, the digital cash hair
Row register system is sent to the facilitator system of the paying party digital cash wallet confirms request of withholing, and shows the beneficiary
Whether there is permission of withholing；The facilitator system verification of the paying party digital cash wallet is described to confirm request of withholing, verification
After errorless, send and confirm that instruction to the digital cash of withholing issues register system；The method further includes：The digital cash
Distribution register system receives the confirmation and withholds after instruction, completes to withhold according to the request of withholing.The purpose of this step be into
One step improves the safety of digital cash transaction.
Step S104 indicates request of withholing described in the digital cash distribution register system verification；The purpose of this step be into
One step improves the safety of digital cash transaction.
After request of withholing described in the step S105 expressions digital cash distribution register system verification is errorless, according to the button
Money request is completed to withhold.
One preferred embodiment of the embodiment of the present invention further includes：Further include the gathering number formulary in the request of withholing
The signing of the facilitator system of word currency wallet, the signature of the beneficiary digital cash wallet and the paying party digital cash
The signature of wallet；The digital cash issues register system to being that three signatures are all verified above, with confirm its source with
Identity prevents information from forging.
Before the digital cash distribution register system is completed to withhold according to the request of withholing, the method further includes：
The deducted amount withholdd described in determination in asking is no more than the digital cash of withholing of the paying party digital cash wallet
Amount, when limit of withholing, limit of no more than withholing；If being no more than, complete to withhold according to the request of withholing.
The digital cash issues register system：To the payment
The digital cash deducted in square digital cash wallet carries out calcellation registration；Production and the same amount of money of digital cash of the deduction
New digital cash；Determine the ownership of the new digital cash of production.The digital cash distribution register system can be according to pre-
The matching strategy that information includes that can withhold according to the mandate if strategy is withholdd, when no preset strategy is withholdd.Example
If there are one the digital cash that denomination is 10, numbers 001 in paying party digital cash wallet, if deducted amount is 7, number
Number 001 is carried out calcellation registration by note issuance register system, then digital cash distribution register system is produced according to default denomination
Then the digital cash that one denomination is 7, the digital cash that a denomination is 3 determine that denomination is the ownership of 7 digital cash
For beneficiary, determine that the ownership for the digital cash that denomination is 3 is paying party.The purpose of this step is to prevent the puppet of digital cash
It makes, further increases the safety of digital cash transaction.
The digital cash distribution register system is withholdd according to the request completion of withholing after step, and the method is also wrapped
It includes：Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system, wherein
Paying party result of withholing includes deducted digital cash list and the deducted amount.Wherein, deducted number
Currency table for showing that deducted digital cash has cancelled registration, made by the digital cash if accession designation number is 001
It is useless.
Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system
Later, the method further includes：The paying party digital cash wallet determine the paying party withhold in result whether further include
Give digital cash for change；If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if
It is equal to, then digital cash is cancelled according to the deducted digital cash list, be such as deleted；If including described in verification
Whether the difference of the amount of money of deducted digital cash and the amount of money for giving digital cash for change is equal to the deducted amount, if waiting
In then cancelling digital cash according to the deducted digital cash list, and digital cash is given for change described in deposit.Wherein look for
The ownership of the digital cash returned is paying party.
Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system
Before, the method further includes：Service provider of the digital cash distribution register system to the paying party digital cash wallet
System sends the paying party and withholds result；The facilitator system of the paying party digital cash wallet determines that the paying party is buckled
Whether further include giving digital cash for change in money result；If not including, verify the deducted digital cash the amount of money whether
Equal to the deducted amount, if being equal to, the method, which will further include the facilitator system of the paying party digital cash wallet, to pay
Money side's result of withholing is sent to the paying party digital cash wallet；If including verifying the deducted digital cash
Whether the difference of the amount of money and the amount of money for giving digital cash for change is equal to the deducted amount；If being equal to, the method further includes institute
It states the facilitator system of paying party digital cash wallet and paying party result of withholing is sent to the paying party digital cash wallet.
Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system
Later, the method further includes：The paying party digital cash wallet shows that the paying party is withholdd result.
The digital cash distribution register system is withholdd according to the request completion of withholing after step, and the method is also wrapped
It includes：Beneficiary result of withholing is sent to the beneficiary digital cash wallet by digital cash distribution register system, wherein
Beneficiary result of withholing includes the digital cash collected.The ownership of the wherein described digital cash collected is gathering
Side.
Beneficiary result of withholing is sent to the beneficiary digital cash wallet by digital cash distribution register system
Later, the method further includes：The amount of money for the digital cash collected described in beneficiary digital cash wallet verification whether etc.
In the deducted amount；If being equal to, the digital cash collected described in deposit.
Beneficiary result of withholing is sent to the beneficiary digital cash wallet by digital cash distribution register system
Before, the method further includes：Service provider of the digital cash distribution register system to the beneficiary digital cash wallet
System sends the beneficiary and withholds result；The number collected described in the facilitator system verification of the beneficiary digital cash wallet
Whether the amount of money of word currency is equal to the deducted amount；If being equal to, the method further includes the beneficiary digital cash wallet
Facilitator system beneficiary result of withholing is sent to the beneficiary digital cash wallet.
Beneficiary result of withholing is sent to the beneficiary digital cash wallet by digital cash distribution register system
Later, the method further includes：The beneficiary digital cash wallet shows that the beneficiary is withholdd result.
Following below scheme is a preferred embodiment of the embodiment of the present invention, including：
S201:Paying party user logs in the local digital currency wallet (number formulary word currency wallet of paying the bill) of oneself, prepares
Send to authorize and withhold information, including timestamp, the term of validity, authorize coding, paying party digital cash wallet mark and certificate,
Service provider's information of paying party digital cash wallet, paying party user information, limit of withholing, matching strategy；Beneficiary user steps on
The local digital currency wallet (i.e. beneficiary digital cash wallet) of oneself is recorded, prepares reception and authorizes information of withholing；
S202：Paying party digital cash wallet is shown comprising the payment confirmation request for authorizing information of withholing, and waits for user true
Recognize；
S203：Paying party user confirms；
S204：Paying party digital cash wallet is withholdd information with private key signature mandate；
S205：Paying party digital cash wallet generates a Quick Response Code, beneficiary scanning input Quick Response Code；
S206：Beneficiary digital cash wallet, which receives, authorizes information of withholing, with paying party digital cash wallet certificate to awarding
The paying party signing messages for weighing information of withholing is verified and verification time stamp, the term of validity and paying party digital cash wallet
It identifies whether authentic and valid；
S207：After being verified, beneficiary digital cash wallet shows confirmation request of withholing, including paying party number
Currency wallet identifies and certificate, service provider's information of paying party digital cash wallet, beneficiary digital cash wallet mark and card
Book, service provider's information of beneficiary digital cash wallet and deducted amount to be entered wait for user to confirm；
S208：Beneficiary user, which confirms, to withhold confirmation request and inputs deducted amount；
S209：After beneficiary user confirms, includes the request of withholing of deducted amount according to confirmation request generation of withholing, withhold
Further include paying party digital cash wallet mark and certificate, service provider's information of paying party digital cash wallet, gathering in request
Service provider's information of square digital cash wallet mark and certificate and beneficiary digital cash wallet；Beneficiary digital cash wallet is used
Private key signature is withholdd request；
S210：Beneficiary digital cash wallet verification deducted amount is no more than limit of withholing, and request of withholing is in the term of validity
It is interior, the request of withholing of signature is sent to the facilitator system of beneficiary digital cash wallet；
S211：The facilitator system of beneficiary digital cash wallet verifies the beneficiary signing messages for request of withholing, verification
By rear, the signing messages of the service provider of addition beneficiary digital cash wallet into request of withholing, by the request of withholing of signature
It is sent to digital cash distribution register system；
S212：Digital cash issues the signing messages of the service provider of register system verification beneficiary digital cash wallet, really
Recognize before the deadline, the checking request to request of withholing is sent to the facilitator system of paying party digital cash wallet；
S213：The facilitator system of paying party digital cash wallet verifies request of withholing, and confirms paying party signing messages, pays
Money side's digital cash wallet and service provider's information matches of paying party digital cash wallet are errorless, and are asked errorless withholing is verified
It asks and returns to digital cash distribution register system；
S214：Digital cash distribution register system verification deducted amount is no more than limit of withholing, and carries out digital cash calcellation
Registration, produces new digital cash, determines the ownership of new digital cash, and complete corresponding registration formalities；
S215-1：Digital cash issues register system and paying party result of withholing is sent to paying party digital cash wallet
Facilitator system；Wherein paying party result of withholing includes deducted digital cash list, deducted amount, beneficiary digital cash
Wallet identifies and service provider's information of certificate, beneficiary digital cash wallet, the facilitator system of paying party digital cash wallet
Whether determine that paying party is withholdd in result further includes giving digital cash for change；If not including, deducted digital cash is verified
Whether the amount of money is equal to deducted amount, if being equal to, the facilitator system of paying party digital cash wallet withholds paying party result
It is sent to paying party digital cash wallet；If including verifying the amount of money of deducted digital cash and giving digital cash for change
Whether the difference of the amount of money is equal to deducted amount, if being equal to, the facilitator system of paying party digital cash wallet withholds paying party knot
Fruit is sent to paying party digital cash wallet.
S215-2:Digital cash issues register system and beneficiary result of withholing is sent to beneficiary digital cash wallet
Facilitator system；Wherein beneficiary result of withholing includes holding the digital cash and deducted amount collected, beneficiary digital cash money
Whether the amount of money for the digital cash that the facilitator system verification of packet is collected is equal to deducted amount；If being equal to, beneficiary is withholdd knot
Fruit is sent to beneficiary digital cash wallet.
S216-1:Whether it further includes giving digital cash for change that paying party digital cash wallet determines that paying party is withholdd in result；
If not including, whether the amount of money for verifying deducted digital cash is equal to deducted amount, if being equal to, according to deducted number
Word currency table cancels digital cash；If including verifying the amount of money of deducted digital cash and giving the gold of digital cash for change
Whether the difference of volume is equal to deducted amount, if being equal to, cancels digital cash, and deposit according to deducted digital cash list
Give digital cash for change.
S216-2:Beneficiary digital cash wallet receives beneficiary and withholds as a result, the verification of beneficiary digital cash wallet is received
Whether the amount of money of the digital cash taken is equal to deducted amount；If being equal to, it is stored in the digital cash collected；
S217-1:Paying party digital cash wallet shows that paying party is withholdd result.
S217-2:Beneficiary digital cash wallet shows that beneficiary is withholdd result.
Fig. 2 is a kind of signal of the major part of system 200 of withholing based on digital cash according to the ... of the embodiment of the present invention
Figure, as shown in Figure 2：
Paying party digital cash wallet device 201, beneficiary digital cash wallet device 202 and digital note issuance registration
System and device 203；Paying party digital cash wallet device 201 will be for that will authorize information of withholing to be sent to beneficiary digital cash money
Bag apparatus 202；Beneficiary digital cash wallet device 202 is withholdd information for verifying the mandate；The mandate is verified to withhold
After information is errorless, request of withholing is sent to digital cash distribution register system device 203, wherein the request of withholing includes button
The money amount of money and authorization message；Digital cash distribution register system device 203 is for verifying the request of withholing；It withholds described in verification
Ask it is errorless after, according to it is described withhold request complete withhold.
Digital cash distribution register system device 203 is completed according to the request of withholing after withholing, digital cash distribution
Register system device 203 is additionally operable to paying party result of withholing being sent to paying party digital cash wallet device 201, wherein described
Paying party result of withholing includes deducted digital cash list and the deducted amount.
Digital cash distribution register system device 203 is completed according to the request of withholing after withholing, digital cash distribution
Beneficiary result of withholing is sent to beneficiary digital cash wallet device 202 by register system device 203, wherein the beneficiary
Result of withholing includes the digital cash collected.
Mandate information of withholing is sent to beneficiary digital cash wallet device by paying party digital cash wallet device 201
Before 202, whether paying party digital cash wallet device 201 verifies the mandate information of withholing wrong；Wherein, the mandate button
Money information also includes at least one of the following contents：Timestamp, the term of validity, authorize coding, paying party digital cash wallet mark
Knowledge, paying party digital cash wallet digital signature, service provider's information of paying party digital cash wallet, paying party user letter
It ceases, limit of withholing, matching strategy；Verify it is errorless after, paying party digital cash wallet device 201 adds the mandate information of withholing
Add paying party signing messages；Paying party digital cash wallet device 201 be additionally operable to by signature the mandate withhold information send
To beneficiary digital cash wallet device 202.
The paying party digital cash wallet device 201 to the mandate withhold information addition paying party signing messages it
Before, the payment digital cash wallet device 201 is additionally operable to send out payment confirmation request；Receive the payment confirmation request really
Recognize instruction；It is described after paying party digital cash wallet device 201 is additionally operable to the confirmation instruction for receiving the payment confirmation request
Paying party digital cash wallet device 201 authorizes information of withholing to add paying party signing messages to described.
Beneficiary digital cash wallet device 202 sends request of withholing to digital cash distribution register system device 203
Before, beneficiary digital cash wallet device 202 is additionally operable to send out confirmation request of withholing；The confirmation for confirmation request of withholing described in reception
Instruction；After beneficiary digital cash wallet device 202 is additionally operable to the confirmation instruction for receiving the confirmation request of withholing, to number
Note issuance register system device 203 sends request of withholing.
The beneficiary digital cash wallet device 202 is additionally operable to receive the confirmation instruction of the confirmation request of withholing
Afterwards, beneficiary digital cash wallet device 202 is to the request addition beneficiary signing messages of withholing；After signature, beneficiary
Digital cash wallet device 202 is additionally operable to send the request of withholing of signature to digital cash distribution register system device 203.
The system 200 further includes：The facilitator system device of the beneficiary digital cash wallet；Beneficiary number goods
When coin wallet device 202 withholds request to 203 transmission of digital cash distribution register system device, beneficiary digital cash wallet dress
202 are set to be additionally operable to for the request of withholing to be sent to the facilitator system device of the beneficiary digital cash wallet；The receipts
It withholds request described in the facilitator system device verification of money side's digital cash wallet；Verify it is errorless after, the beneficiary number goods
The facilitator system device of coin wallet adds the facilitator system of the beneficiary digital cash wallet into the request of withholing
Signing messages；The facilitator system device of the beneficiary digital cash wallet is additionally operable to the request hair of withholing that will be signed
It send to digital cash distribution register system device 203.
Request of withholing described in signature is sent to number by the facilitator system device of the beneficiary digital cash wallet
After note issuance register system device 203, digital cash is issued register system device 203 and is verified with beneficiary number
The request of withholing of the signing messages of the facilitator system of currency wallet；After being verified, digital cash issues register system
Device 203 is sent to the facilitator system device of the paying party digital cash wallet confirms request of withholing；The payment number formulary
The facilitator system device verification of word currency wallet is described to confirm request of withholing, and after verification is errorless, sends confirmation and withholds instruction extremely
Digital cash issues register system device 203；Digital cash distribution register system device 203, which is additionally operable to receive the confirmation, withholds
After instruction, complete to withhold according to the request of withholing.
Digital cash distribution register system device 203 determines the button before completing to withhold according to the request of withholing
The deducted amount in money request is no more than the digital cash amount of withholing of paying party digital cash wallet device 201；If
It is no more than, then completes to withhold according to the request of withholing.
When digital cash distribution register system device 203 is completed to withhold according to the request of withholing, to number formulary word goods of paying the bill
The digital cash deducted in coin wallet device 201 carries out calcellation registration；Production and the same amount of money of digital cash of the deduction
New digital cash；Determine the ownership of the new digital cash of production.
Paying party result of withholing is sent to paying party digital cash wallet dress by digital cash distribution register system device 203
After setting 201, whether paying party digital cash wallet device 201 is additionally operable to determine that the paying party is withholdd in result to further include looking for
Return digital cash；If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if waiting
In then according to the deducted digital cash list calcellation digital cash；If including verifying the deducted digital goods
Whether the difference of the amount of money of coin and the amount of money for giving digital cash for change is equal to the deducted amount, if being equal to, according to the quilt
Digital cash is cancelled in the digital cash list of deduction, and gives digital cash for change described in deposit.
Beneficiary result of withholing is sent to beneficiary digital cash wallet dress by digital cash distribution register system device 203
After setting 202, whether the amount of money that beneficiary digital cash wallet device 202 is additionally operable to the digital cash collected described in verification is equal to
The deducted amount；If being equal to, the digital cash collected described in deposit.
The system 200 further includes：The facilitator system device of the paying party digital cash wallet；Digital cash is issued
Register system device 203 withholds paying party before result is sent to paying party digital cash wallet device 201, digital cash hair
Row register system device 203 sends the paying party to the facilitator system device of the paying party digital cash wallet and withholds knot
Fruit；Whether it further includes looking for that the facilitator system device of the paying party digital cash wallet determines that the paying party is withholdd in result
Return digital cash；If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if waiting
In then paying party result of withholing is sent to paying party number goods by the facilitator system device of the paying party digital cash wallet
Coin wallet device 201；If including verifying the amount of money of the deducted digital cash and the amount of money for giving digital cash for change
Difference whether be equal to the deducted amount, if being equal to, the facilitator system device of the paying party digital cash wallet will be paid
Money side's result of withholing is sent to paying party digital cash wallet device 201.
Beneficiary result of withholing is sent to beneficiary digital cash wallet dress by digital cash distribution register system device 203
Before setting 202, digital cash issues facilitator system device of the register system device 203 to the beneficiary digital cash wallet
The beneficiary is sent to withhold result；The number collected described in the facilitator system device verification of the beneficiary digital cash wallet
Whether the amount of money of word currency is equal to the deducted amount；If being equal to, the facilitator system of the beneficiary digital cash wallet
Beneficiary result of withholing is sent to beneficiary digital cash wallet device 202 by device.
Paying party result of withholing is sent to paying party digital cash wallet dress by digital cash distribution register system device 203
After setting 201, paying party digital cash wallet device 201 shows that the paying party is withholdd result.
Beneficiary result of withholing is sent to beneficiary digital cash wallet dress by digital cash distribution register system device 203
After setting 202, beneficiary digital cash wallet device 202 shows that the beneficiary is withholdd result.
Particularly, according to embodiment disclosed by the invention, the process of above step figure description may be implemented as computer
Software program.For example, embodiment disclosed by the invention can be used for a kind of computer program product comprising be carried on computer
Computer program on readable medium, the computer program include the program code for executing method shown in block diagram.
Being described in device involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part is realized.Described device can also be arranged in the processor, for example, can be described as：A kind of processor packet
Include paying party digital cash wallet device, beneficiary digital cash wallet device and digital note issuance register system device.Its
In, these device names do not constitute the restriction to the module or unit itself under certain conditions.
Above-mentioned specific implementation mode, does not constitute limiting the scope of the invention.Those skilled in the art should be bright
It is white, design requirement and other factors are depended on, various modifications, combination, sub-portfolio and replacement can occur.It is any
Modifications, equivalent substitutions and improvements made by within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (34)
1. a kind of deducting money method based on digital cash, which is characterized in that including：
Mandate information of withholing is sent to beneficiary digital cash wallet by paying party digital cash wallet；
The beneficiary digital cash wallet verification is described to authorize information of withholing；
Verify the mandate withhold information it is errorless after, withhold request to digital cash distribution register system transmission, wherein the button
Money request includes deducted amount and authorization message；
The digital cash issues request of withholing described in register system verification；
After request of withholing described in verification is errorless, complete to withhold according to the request of withholing.
2. according to the method described in claim 1, it is characterized in that, digital cash distribution register system is withholdd according to described
Request completion is withholdd after step, and the method further includes：
Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system, wherein
Paying party result of withholing includes deducted digital cash list and the deducted amount.
3. according to the method described in claim 1, it is characterized in that, digital cash distribution register system is withholdd according to described
Request completion is withholdd after step, and the method further includes：
Beneficiary result of withholing is sent to the beneficiary digital cash wallet by digital cash distribution register system, wherein
Beneficiary result of withholing includes the digital cash collected.
4. according to the method described in claim 1, it is characterized in that, paying party digital cash wallet by mandate withhold information send
To before beneficiary digital cash wallet, the method further includes：
Whether the paying party digital cash wallet verification is described authorizes information of withholing wrong；
Wherein, the mandate withholds information also including at least one of the following contents：Timestamp, authorize coding, is paid at the term of validity
The service of money side digital cash wallet mark, paying party digital cash wallet digital signature, paying party digital cash wallet
Quotient's information, paying party user information, limit of withholing, matching strategy；
Verify it is errorless after, the paying party digital cash wallet to it is described mandate withhold information add paying party signing messages；
The method further includes：The mandate of signature information of withholing is sent to the receipts by the paying party digital cash wallet
Money side's digital cash wallet.
5. according to the method described in claim 4, it is characterized in that, the paying party digital cash wallet withholds to the mandate
Information adds paying party signing messages foregoing description method：
The paying party digital cash wallet sends out payment confirmation request；
Receive the confirmation instruction of the payment confirmation request；
The method further includes：After the paying party digital cash wallet receives the confirmation instruction of the payment confirmation request,
The paying party digital cash wallet authorizes information of withholing to add paying party signing messages to described.
6. the method stated according to claim 1, spy are, the beneficiary digital cash wallet is issued to digital cash and is registered
System transmission is withholdd before request, and the method further includes：
The beneficiary digital cash wallet sends out confirmation request of withholing；
The confirmation for confirmation request of withholing described in reception instructs；
The method further includes：After the beneficiary digital cash wallet receives the confirmation instruction of the confirmation request of withholing,
Request of withholing is sent to digital cash distribution register system.
7. according to the method described in claim 6, its spy is, the beneficiary digital cash wallet receives described withhold really
After recognizing the confirmation instruction of request, the method further includes：
The beneficiary digital cash wallet is to the request addition beneficiary signing messages of withholing；
After signature, the method further includes：
The beneficiary digital cash wallet sends the request of withholing of signature to digital cash distribution register system.
8. according to the method described in claim 1, it is characterized in that, the beneficiary digital cash wallet is issued to digital cash
Register system sends the method for request of withholing：
The request of withholing is sent to the facilitator system of beneficiary digital cash wallet by the beneficiary digital cash wallet；
It withholds request described in the facilitator system verification of the beneficiary digital cash wallet；
Verify it is errorless after, the facilitator system of the beneficiary digital cash wallet adds the gathering into the request of withholing
The signing messages of the facilitator system of square digital cash wallet；
Request of withholing described in signature is sent to the digital cash by the facilitator system of the beneficiary digital cash wallet
Issue register system.
9. according to the method described in claim 8, it is characterized in that, the facilitator system of the beneficiary digital cash wallet will
The request of withholing of signature is sent to after the digital cash distribution register system, and the method further includes：
The signature of the facilitator system of the digital cash distribution register system verification with the beneficiary digital cash wallet
The request of withholing of information；
After being verified, the digital cash is issued register system and is sent out to the facilitator system of the paying party digital cash wallet
Confirmation is sent to withhold request；
The facilitator system verification of the paying party digital cash wallet is described to confirm request of withholing, and after verification is errorless, sends true
Recognize instruction to the digital cash of withholing and issues register system；
The method further includes：Digital cash distribution register system receives the confirmation and withholds after instruction, according to the button
Money request is completed to withhold.
10. according to the method described in claim 1, it is characterized in that, the digital cash issues register system according to the button
Before money request is completed to withhold, the method further includes：
The deducted amount withholdd described in determination in asking is no more than the number of withholing of the paying party digital cash wallet
Monetary amount；
If being no more than, complete to withhold according to the request of withholing.
11. according to the method described in claim 1, it is characterized in that, the digital cash issues register system according to the button
The method withholdd is completed in money request：
Calcellation registration is carried out to the digital cash deducted in the paying party digital cash wallet；
The new digital cash of production and the same amount of money of digital cash of the deduction；
Determine the ownership of the new digital cash of production.
12. according to the method described in claim 2, it is characterized in that, the digital cash issues register system by paying party button
Money result is sent to after the paying party digital cash wallet, and the method further includes：
Whether it further includes giving digital cash for change that the paying party digital cash wallet determines that the paying party is withholdd in result；
If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if being equal to, root
Cancel digital cash according to the deducted digital cash list；
If including, verify the deducted digital cash the amount of money and the amount of money for giving digital cash for change difference whether etc.
In the deducted amount, if being equal to, digital cash is cancelled according to the deducted digital cash list, and described in deposit
Give digital cash for change.
13. according to the method described in claim 3, it is characterized in that, the digital cash issues register system by beneficiary button
Money result is sent to after the beneficiary digital cash wallet, and the method further includes：
Whether the amount of money for the digital cash collected described in the beneficiary digital cash wallet verification is equal to the deducted amount；
If being equal to, the digital cash collected described in deposit.
14. according to the method described in claim 2, it is characterized in that, the digital cash issues register system by paying party button
Money result is sent to before the paying party digital cash wallet, and the method further includes：
The digital cash issues register system and sends the payment to the facilitator system of the paying party digital cash wallet
Side withholds result；
Whether it further includes giving for change that the facilitator system of the paying party digital cash wallet determines that the paying party is withholdd in result
Digital cash；
If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, described if being equal to
Method further includes that paying party result of withholing is sent to the paying party by the facilitator system of the paying party digital cash wallet
Digital cash wallet；
If including, verify the deducted digital cash the amount of money and the amount of money for giving digital cash for change difference whether etc.
In the deducted amount, if being equal to, the method, which will further include the facilitator system of the paying party digital cash wallet, to pay the bill
Result of just withholing is sent to the paying party digital cash wallet.
15. according to the method described in claim 3, it is characterized in that, the digital cash issues register system by beneficiary button
Money result is sent to before the beneficiary digital cash wallet, and the method further includes：
The digital cash issues register system and sends the gathering to the facilitator system of the beneficiary digital cash wallet
Side withholds result；
Whether the amount of money for the digital cash collected described in the facilitator system verification of the beneficiary digital cash wallet is equal to institute
State deducted amount；
If being equal to, the method further includes that the facilitator system of the beneficiary digital cash wallet withholds the beneficiary knot
Fruit is sent to the beneficiary digital cash wallet.
16. according to the method described in claim 2, it is characterized in that, the digital cash issues register system by paying party button
Money result is sent to after the paying party digital cash wallet, and the method further includes：
The paying party digital cash wallet shows that the paying party is withholdd result.
17. according to the method described in claim 3, it is characterized in that, the digital cash issues register system by beneficiary button
Money result is sent to after the beneficiary digital cash wallet, and the method further includes：
The beneficiary digital cash wallet shows that the beneficiary is withholdd result.
18. a kind of system of withholing based on digital cash, which is characterized in that including：
Paying party digital cash wallet device, beneficiary digital cash wallet device and digital note issuance register system device；
The paying party digital cash wallet device will be for that will authorize information of withholing to be sent to the beneficiary digital cash wallet
Device；
The beneficiary digital cash wallet device is withholdd information for verifying the mandate；
Verify the mandate withhold information it is errorless after, withhold request, wherein institute to digital cash distribution register system device transmission
It includes deducted amount and authorization message to state request of withholing；
The digital cash distribution register system device is for verifying the request of withholing；
After request of withholing described in verification is errorless, complete to withhold according to the request of withholing.
19. system according to claim 18, which is characterized in that the digital cash issues register system device according to institute
It states request of withholing to complete after withholing, digital cash distribution register system device is additionally operable to send paying party result of withholing
To the paying party digital cash wallet device, wherein the paying party is withholdd, result includes deducted digital cash list
With the deducted amount.
20. system according to claim 18, which is characterized in that the digital cash issues register system device according to institute
Request of withholing is stated to complete after withholing, digital cash distribution register system device by beneficiary withhold result be sent to it is described
Beneficiary digital cash wallet device, wherein the beneficiary is withholdd, result includes the digital cash collected.
21. system according to claim 18, which is characterized in that the paying party digital cash wallet device buckles mandate
Money information is sent to before beneficiary digital cash wallet device, and the paying party digital cash wallet device verifies the mandate
Whether information of withholing is wrong；
Wherein, the mandate withholds information also including at least one of the following contents：Timestamp, authorize coding, is paid at the term of validity
The service of money side digital cash wallet mark, paying party digital cash wallet digital signature, paying party digital cash wallet
Quotient's information, paying party user information, limit of withholing, matching strategy；
Verify it is errorless after, the paying party digital cash wallet device to it is described mandate withhold information add paying party A.L.S.
Breath；
The paying party digital cash wallet device is additionally operable to the mandate information of withholing of signature being sent to the beneficiary
Digital cash wallet device.
22. system according to claim 21, which is characterized in that the paying party digital cash wallet device is awarded to described
Power is withholdd before information addition paying party signing messages, and the paying party digital cash wallet device is additionally operable to send out payment confirmation
Request；
Receive the confirmation instruction of the payment confirmation request；
After the paying party digital cash wallet device is additionally operable to the confirmation instruction for receiving the payment confirmation request, described pair
Money side's digital cash wallet device authorizes information of withholing to add paying party signing messages to described.
23. system according to claim 18, which is characterized in that the beneficiary digital cash wallet device is to digital goods
Coin distribution register system device transmission is withholdd before request, and the beneficiary digital cash wallet device, which is additionally operable to send out, withholds really
Recognize request；
The confirmation for confirmation request of withholing described in reception instructs；
After the beneficiary digital cash wallet device is additionally operable to the confirmation instruction for receiving the confirmation request of withholing, to number
Note issuance register system device sends request of withholing.
24. system according to claim 23, which is characterized in that the beneficiary digital cash wallet device is additionally operable to connect
After the confirmation instruction for receiving the confirmation request of withholing, the beneficiary digital cash wallet device is to the request addition of withholing
Beneficiary signing messages；
After signature, the beneficiary digital cash wallet device is additionally operable to send label to digital cash distribution register system device
The request of withholing of name.
25. system according to claim 18, which is characterized in that the system also includes：
The facilitator system device of the beneficiary digital cash wallet；
When the beneficiary digital cash wallet device withholds request to digital cash distribution register system device transmission, the receipts
Money side's digital cash wallet device is additionally operable to for the request of withholing to be sent to the service provider of the beneficiary digital cash wallet
System and device；
It withholds request described in the facilitator system device verification of the beneficiary digital cash wallet；
Verify it is errorless after, the facilitator system device of the beneficiary digital cash wallet is into the request of withholing described in addition
The signing messages of the facilitator system of beneficiary digital cash wallet；
The request of withholing that the facilitator system device of the beneficiary digital cash wallet is additionally operable to sign is sent to institute
State digital cash distribution register system device.
26. system according to claim 25, which is characterized in that the facilitator system of the beneficiary digital cash wallet
After request of withholing described in signature is sent to the digital cash distribution register system device by device, the digital cash hair
The described of signing messages of facilitator system of the row register system device verification with the beneficiary digital cash wallet is withholdd
Request；
After being verified, the digital cash issues service quotient system of the register system device to the paying party digital cash wallet
Bulk cargo sets transmission and confirms request of withholing；
The facilitator system device verification of the paying party digital cash wallet is described to confirm request of withholing, after verification is errorless, hair
It send confirmation to withhold to instruct to digital cash distribution register system device；
Digital cash distribution register system device is additionally operable to receive the confirmation and withholds after instruction, according to the request of withholing
Completion is withholdd.
27. system according to claim 18, which is characterized in that digital cash distribution register system device according to
It is described withhold request complete withhold before, determine described in withhold request in the deducted amount be no more than the paying party number
The digital cash amount of withholing of currency wallet device；
If being no more than, complete to withhold according to the request of withholing.
28. system according to claim 18, which is characterized in that the digital cash issues register system device according to institute
It states request of withholing to complete when withholing, the digital cash deducted in the paying party digital cash wallet device cancel and is stepped on
Note；
The new digital cash of production and the same amount of money of digital cash of the deduction；
Determine the ownership of the new digital cash of production.
29. system according to claim 19, which is characterized in that the digital cash distribution register system device will pay the bill
Result of just withholing is sent to after the paying party digital cash wallet device, and the paying party digital cash wallet device is also used
Whether further include giving digital cash for change in determining that the paying party is withholdd in result；
If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if being equal to, root
Cancel digital cash according to the deducted digital cash list；
If including, verify the deducted digital cash the amount of money and the amount of money for giving digital cash for change difference whether etc.
In the deducted amount, if being equal to, digital cash is cancelled according to the deducted digital cash list, and described in deposit
Give digital cash for change.
30. system according to claim 20, which is characterized in that the digital cash distribution register system device will collect money
Result of just withholing is sent to after the beneficiary digital cash wallet device, and the beneficiary digital cash wallet device is also used
Whether the amount of money for the digital cash collected described in verification is equal to the deducted amount；
If being equal to, the digital cash collected described in deposit.
31. system according to claim 19, which is characterized in that the system also includes：The paying party digital cash
The facilitator system device of wallet；
Paying party result of withholing is sent to the paying party digital cash wallet by digital cash distribution register system device
Before device, the digital cash issues facilitator system device of the register system device to the paying party digital cash wallet
The paying party is sent to withhold result；
The facilitator system device of the paying party digital cash wallet determine the paying party withhold in result whether further include
Give digital cash for change；
If not including, whether the amount of money for verifying the deducted digital cash is equal to the deducted amount, if being equal to, institute
It states the facilitator system device of paying party digital cash wallet and paying party result of withholing is sent to the paying party digital cash
Wallet device；
If including, verify the deducted digital cash the amount of money and the amount of money for giving digital cash for change difference whether etc.
In the deducted amount, if being equal to, the facilitator system device of the paying party digital cash wallet withholds paying party knot
Fruit is sent to the paying party digital cash wallet device.
32. system according to claim 20, which is characterized in that the digital cash distribution register system device will collect money
Side's result of withholing is sent to before the beneficiary digital cash wallet device, the digital cash issue register system device to
The facilitator system device of the beneficiary digital cash wallet sends the beneficiary and withholds result；
The amount of money of digital cash collected described in the facilitator system device verification of the beneficiary digital cash wallet whether etc.
In the deducted amount；
If being equal to, the facilitator system device of the beneficiary digital cash wallet by beneficiary withhold result be sent to it is described
Beneficiary digital cash wallet device.
33. system according to claim 19, which is characterized in that the digital cash distribution register system device will pay the bill
Result of just withholing is sent to after the paying party digital cash wallet device, and the paying party digital cash wallet device is shown
The paying party is withholdd result.
34. system according to claim 20, which is characterized in that the digital cash distribution register system device will collect money
Result of just withholing is sent to after the beneficiary digital cash wallet device, and the beneficiary digital cash wallet device is shown
The beneficiary is withholdd result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459264.3A CN108335103B (en) | 2017-12-28 | 2017-12-28 | Deduction method and system based on digital currency |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459264.3A CN108335103B (en) | 2017-12-28 | 2017-12-28 | Deduction method and system based on digital currency |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108335103A true CN108335103A (en) | 2018-07-27 |
| CN108335103B CN108335103B (en) | 2021-06-11 |
Family
ID=62924078
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711459264.3A Active CN108335103B (en) | 2017-12-28 | 2017-12-28 | Deduction method and system based on digital currency |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108335103B (en) |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109544152A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Supply chain method of payment, cashing method, device, equipment and medium based on block chain |
| WO2019072265A3 (en) * | 2018-11-07 | 2019-08-22 | Alibaba Group Holding Limited | Blockchain system supporting public and private transactions under account models |
| CN110443607A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | To creation method, method of commerce and the device of public digital cash wallet |
| CN110889681A (en) * | 2019-10-31 | 2020-03-17 | 支付宝(杭州)信息技术有限公司 | Anonymous transaction method and system based on digital currency |
| WO2020103557A1 (en) * | 2018-11-20 | 2020-05-28 | 阿里巴巴集团控股有限公司 | Transaction processing method and device |
| CN111967861A (en) * | 2020-08-17 | 2020-11-20 | 陶丽萍 | Digital currency visual transaction method, device and equipment |
| CN111966277A (en) * | 2020-08-17 | 2020-11-20 | 陶丽萍 | Digital currency display method, device and equipment |
| CN112613864A (en) * | 2020-12-31 | 2021-04-06 | 天地融科技股份有限公司 | Method and system for oriented transaction of digital currency |
| CN113837762A (en) * | 2020-06-24 | 2021-12-24 | 中国工商银行股份有限公司 | Digital currency payment method and device |
| CN113837735A (en) * | 2021-08-20 | 2021-12-24 | 中国人民银行数字货币研究所 | Transaction method and device for digital currency chip card |
| WO2022218424A1 (en) * | 2021-04-16 | 2022-10-20 | 中国人民银行数字货币研究所 | Payment method, apparatus, and system for digital currency |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014170741A3 (en) * | 2013-04-15 | 2015-02-19 | Pardhasarthy Mahesh Bhupathi | Payback payment system and method to facilitate the same |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
| CN107230051A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method of payment and payment system of digital cash |
| CN107330691A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system that a kind of digital cash wallet is paid |
-
2017
- 2017-12-28 CN CN201711459264.3A patent/CN108335103B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014170741A3 (en) * | 2013-04-15 | 2015-02-19 | Pardhasarthy Mahesh Bhupathi | Payback payment system and method to facilitate the same |
| CN104392348A (en) * | 2014-11-06 | 2015-03-04 | 朱锐泷 | Digital currency-based cross-border payment and clearing system and cross-border payment method |
| CN107230055A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of payout figure currency |
| CN107230051A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method of payment and payment system of digital cash |
| CN107330691A (en) * | 2017-06-26 | 2017-11-07 | 中国人民银行数字货币研究所 | The method and system that a kind of digital cash wallet is paid |
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109544152A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Supply chain method of payment, cashing method, device, equipment and medium based on block chain |
| WO2019072265A3 (en) * | 2018-11-07 | 2019-08-22 | Alibaba Group Holding Limited | Blockchain system supporting public and private transactions under account models |
| WO2020103557A1 (en) * | 2018-11-20 | 2020-05-28 | 阿里巴巴集团控股有限公司 | Transaction processing method and device |
| CN110443607B (en) * | 2019-07-31 | 2022-08-02 | 中国人民银行数字货币研究所 | Method for creating public digital wallet, transaction method and device |
| CN110443607A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | To creation method, method of commerce and the device of public digital cash wallet |
| CN110889681A (en) * | 2019-10-31 | 2020-03-17 | 支付宝(杭州)信息技术有限公司 | Anonymous transaction method and system based on digital currency |
| CN113837762A (en) * | 2020-06-24 | 2021-12-24 | 中国工商银行股份有限公司 | Digital currency payment method and device |
| CN113837762B (en) * | 2020-06-24 | 2024-01-05 | 中国人民银行数字货币研究所 | Digital currency payment method and device |
| CN111967861A (en) * | 2020-08-17 | 2020-11-20 | 陶丽萍 | Digital currency visual transaction method, device and equipment |
| CN111966277A (en) * | 2020-08-17 | 2020-11-20 | 陶丽萍 | Digital currency display method, device and equipment |
| CN111966277B (en) * | 2020-08-17 | 2022-03-01 | 陶丽萍 | Digital currency display method, device and equipment |
| CN112613864A (en) * | 2020-12-31 | 2021-04-06 | 天地融科技股份有限公司 | Method and system for oriented transaction of digital currency |
| WO2022142437A1 (en) * | 2020-12-31 | 2022-07-07 | 天地融科技股份有限公司 | Digital currency directional transaction method and system |
| WO2022218424A1 (en) * | 2021-04-16 | 2022-10-20 | 中国人民银行数字货币研究所 | Payment method, apparatus, and system for digital currency |
| CN113837735A (en) * | 2021-08-20 | 2021-12-24 | 中国人民银行数字货币研究所 | Transaction method and device for digital currency chip card |
| CN113837735B (en) * | 2021-08-20 | 2023-11-07 | 中国人民银行数字货币研究所 | Transaction method and device for digital currency chip card |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108335103B (en) | 2021-06-11 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108335103A (en) | A kind of deducting money method and system based on digital cash | |
| KR101858652B1 (en) | Electronic cheque-based payment system and methods for issuing, transferring, paying and verifying electronic cheques | |
| AU2010295188B2 (en) | Asset storage and transfer system for electronic purses | |
| US8275714B2 (en) | Method for performing a digital cash transaction | |
| US20010032878A1 (en) | Method and system for making anonymous electronic payments on the world wide web | |
| US8336763B2 (en) | System and method for processing transactions | |
| JP2002541601A (en) | Person-to-person, person-to-company, company-to-person, and company-to-company financial transaction systems | |
| JPH10511788A (en) | Trust agent for open distribution of electronic money | |
| JPH0954808A (en) | On-line account settlement system, issue system for electronic check and inspection system | |
| US20080230599A1 (en) | System and method for processing transactions | |
| AU2011235531B2 (en) | Message storage and transfer system | |
| US20040034597A1 (en) | System and method for managing micropayment transactions, corresponding client terminal and trader equipment | |
| KR101950752B1 (en) | Payment System Using Virtual Money and Payment Method Using Virtual Money | |
| CN111062717A (en) | Data transfer processing method and device and computer readable storage medium | |
| US20090138399A1 (en) | Pin-less atm processing system | |
| KR20030068603A (en) | Paying system using cellular phone and the method | |
| WO2022153641A1 (en) | Payment system, payment device, payment method, and payment program | |
| JP4067522B2 (en) | Electronic check payment method, payment method, and issuer computer | |
| KR20200094442A (en) | System and method for P2P payment | |
| NZ739055B2 (en) | Electronic cheque-based payment system and methods for issuing, transferring, paying and verifying electronic checks |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |